The purpose of this study was to examine whether and how individual differences contribute to the translation of perceived group discrimination into perceived personal discrimination. One hundred forty-five Pontic Greek and 269 Albanian students (mean age 12.9 years) enrolled in Greek urban public schools were assessed in Grade 1 of high school. Albanians reported higher discrimination against their ethnic group, but not higher discrimination against themselves, personally, than Pontic Greeks. Personal discrimination could be predicted by perceived group discrimination as well as from individual characteristics of immigrant students, independently of their ethnicity. Furthermore, when students reported high, but not low, group discrimination, many of their individual characteristics were shown to buffer against translating perceived group discrimination into experiences of personal discrimination. These results highlight the importance of individual differences, in addition to perceptions of group discrimination, for feelings of being discriminated against as an individual and suggest that high group discrimination of immigrants, independently of ethnic background, does not necessarily result in high personal discrimination, if individual protective factors are present.